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Personal finance tracker

Personal finance tracker for Android – track your money without handing it over

With FinanceCounter you track income, expenses, account balances, fixed costs and savings goals in one place – a personal finance app that keeps your data on your device.

At a glance

At a glance

  • Accounts with balance reconciliation
  • Savings goals with progress and target date
  • Fixed costs and due-date calendar
  • Local reminders, each switchable
  • Runway until next pay day (Premium)

What a finance tracker should track for you

Tracking your finances is more than noting down expenses. A good tracker shows four things: what comes in and goes out, how much is in which account, which commitments are due and how close you are to your goals. FinanceCounter brings exactly these four views together on its overview.

Accounts and balances at a glance

Add checking, cash, savings, credit card or prepaid accounts and record transfers between them. If the balance in the app differs from your real one, balance reconciliation shows the difference and creates a traceable adjustment once you confirm. The Free version includes two active accounts, Premium as many as you need.

Track savings goals and fixed costs

For savings goals you set a target amount and date and book contributions – progress is visible immediately. Fixed costs and regular income run as recurring transactions and appear in the due-date calendar, so no direct debit takes you by surprise.

Keep going without effort

  • A nudge when nothing has been recorded for a few days (default: three days)
  • Weekly review and monthly close as optional reminders
  • Budget warnings before you reach a limit
  • Widget and app shortcuts for new expense, income and receipt scan

Look ahead with Premium

Premium shows your detailed runway until the next pay day, takes your personal pay cycle into account and uses “What if I spend…” scenarios to show how a planned purchase affects budgets and goals – without saving anything.

Features

The features behind it

Free + Premium

Accounts and balance reconciliation

Account types for checking, cash, savings, credit card, prepaid and other. Balance reconciliation shows the difference to your actual balance and creates an adjustment once you confirm it. Free: 2 active accounts, Premium: unlimited.

Free + Premium

Savings goals with progress

Emergency fund, holiday or a big purchase: set a target amount and date, book contributions and follow your progress. Free: 2 active goals, Premium: unlimited.

Free + Premium

Local reminders

Optional reminders for due transactions, budgets, savings goals, weekly review and monthly close, plus a nudge after a few days without an entry. Invoice due-date reminders are Premium. Each category can be switched off individually.

Premium

Runway, pay cycle and scenarios

Detailed runway until your next pay day, a personal pay cycle, “What if I spend…” scenarios, favourites as transaction templates and local merchant rules for automatic category suggestions.

Premium

Look further ahead

Runway, pay cycle, scenarios and unlimited accounts and goals come with Premium – €2.99 per month or €24.99 per year.

FAQ

Common questions

Do I need an account?

No. There is no sign-up and no FinanceCounter account. You install the app from Google Play and get started straight away. Installation, updates and the Premium subscription use your existing Google Play account.

Does FinanceCounter work offline?

Yes. All finance features run on the device; the current Android version does not even request internet permission. Installation, updates, purchases and the regular check of a Premium subscription go through the Google Play app. Premium stays usable offline for up to three days without a new check.

Can I manage savings goals?

Yes. You set a target amount and date, book contributions and see your progress. Free: two active goals, Premium: unlimited.

Can I add several accounts?

Yes. Account types include checking, cash, savings, credit card, prepaid and other, plus transfers and balance reconciliation. Free: two active accounts, Premium: unlimited. The app uses one currency (euro, Swiss franc, US dollar or pound).

Start tracking your finances today

Get FinanceCounter and begin with your first account.